Financial CoLab

Financial CoLab

Global Laboratory for Financial Capability & Economic Opportunity

A global research collaboration investigating how people build financial capability, withstand economic shocks and access economic opportunity across societies.

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DevelopingEmergingModerateStrongHigh resilience
  • Participants 0
  • Countries 0
  • Researchers 0
  • Assessments completed 0
  • Scoring method FCI-1.0
  • Publication threshold n ≥ 30
  • Research HQ Germany
  • Study status Launching

The Financial CoLab 100 Countries Initiative

Building the world's collaborative evidence base on financial capability and economic resilience.

Countries
100
Researchers
500+
Global Financial Capability Study
1

0 of 100

countries represented

  • Countries with published participation
  • Research headquarters, Germany

The research question

Can financial capability be measured independently from socioeconomic privilege?

Millions of people manage money, work, save and meet obligations every day, yet remain financially excluded because conventional assessment looks elsewhere.

Conventional assessment often depends on

  • Income
  • Collateral
  • Formal employment
  • Credit history
  • Geography
  • Existing wealth

Financial CoLab investigates

  • Financial behaviour
  • Resilience to shocks
  • Savings capability
  • Income stability
  • Financial access
  • Economic opportunity

Financial Capability Index

Thirteen dimensions of how people manage, protect and grow their economic lives, scored 0 to 100.

The Financial Capability Index is an experimental research framework currently undergoing international development and validation.

Read the methodology
  1. Financial Access
  2. Income Stability
  3. Savings Capability
  4. Debt Sustainability
  5. Financial Behaviour
  6. Financial Planning
  7. Financial Resilience
  8. Financial Knowledge
  9. Economic Opportunity
  10. Digital Financial Capability
  11. Financial Confidence
  12. Emergency Preparedness
  13. Financial Inclusion

Global Financial Capability Observatory

Anonymised, aggregated evidence. Group statistics are published only when at least 30 people share that group.

Global Study Launching

Participants
0
Countries
0
Universities
0
Researchers
0
Assessments completed
0
Longitudinal participants
0
Open the Observatory

One Global Study. Every Society. Every Economic Background.

Open to any adult, anywhere. No bank account, employer, credit score, property, formal education or financial history required.

Participate anonymously

No name. No email. You receive a private research code such as FCL-DE-K83X7Q to keep.

Start anonymously

Create a free research account

Return every 3, 6 and 12 months and see how your capability and resilience change over time.

  1. Baseline
  2. 3 months
  3. 6 months
  4. 12 months
Create account

About 15 minutes

Financial CoLab Global Faculty Network

Connecting researchers studying financial capability, inclusion and economic resilience across the world. Lead a country study, contribute data under your own ethics approval, and co-author the evidence.

  • Research Collaborator
  • Research Fellow
  • Country Research Lead
  • Country Principal Investigator
  • Regional Research Chair
Apply to the Faculty Network

Financial history should not define human economic potential.

Financial CoLab investigates whether capability, resilience and behaviour can provide a more inclusive understanding of economic opportunity.